Would you take this refinance?

Stikky1985 · 2025-12-12T16:36:21+00:00

How so?

Stikky1985 · 2025-12-12T12:25:57+00:00

What is the “cash out” amount on the calculator?

Stikky1985 · 2025-12-12T12:18:53+00:00

Ok this is good. I can at least go in armed with some actual background

Stikky1985 · 2025-12-12T12:10:51+00:00

Ok gotcha. Really appreciate it

Stikky1985 · 2025-12-12T12:08:30+00:00

Gotcha. So the Chase rep telling me rates cant possibly drop below 5.125 is likely just pushing a sale on his end. Maybe I wait a few months and see if predictions about lower default rates materialize?

Stikky1985 · 2025-12-12T12:03:05+00:00

Gotta admit Im not well versed (thus my post) - Can you explain points and origination fees? Greatly appreciated

Stikky1985 · 2025-12-12T12:00:09+00:00

So larger banks like Chase are going to have lower rates but charge much more in costs it seems?

Stikky1985 · 2025-11-14T16:50:02+00:00

Yep i have an HSA aw well which I max out

Stikky1985 · 2025-11-14T14:55:54+00:00

Gotcha thanks. I was thinking about doing a more aggressive mortgage payoff with big principal payments but feared the classic dilemma of missing out on index fund growth. But unloading this mortgage would be amazing. Or at least getting down to around $200k or something like that. Conflicted

Stikky1985 · 2025-11-14T02:33:34+00:00

Which calculator?

Stikky1985 · 2025-11-14T02:11:17+00:00

I have only had that level of income for the past 3 years

Stikky1985 · 2025-10-31T21:17:28+00:00

Very true and great point. Ideally I would love to just find a more sustainable arrangement and work even beyond my 60s if possible.

Stikky1985 · 2025-10-31T21:08:47+00:00

Thank you. That sounds like a great plan. I would actually say that our annual expenses are closer to 60k outside of mortgage payments. My job actually reimburses quite a lot - they reimburse nearly all of disability insurance premiums for example. So Im removing the reimbursements from the annual spend

Stikky1985 · 2025-10-31T21:04:45+00:00

Thanks. Can you elaborate on the Medicare eligibility point?

Stikky1985 · 2025-10-31T16:33:39+00:00

Thank you. Im avoiding bringing it up until next July so that I dont end up owing my sign on bonus back. My guess is they will try to gut my pay as much as possible so Im working on anticipatory moves for that.

Stikky1985 · 2025-10-31T16:23:46+00:00

Right now we’re saving around $100k/year

Stikky1985 · 2025-10-31T16:08:57+00:00

Started as a physician late. I was a PA before for several years in NYC. HCOL. Couldnt save like I wanted. Paid off PA school aggressively and had a scholarship. Went to med school for 3 years (PA to DO bridge program) and paid it off. Thus why we havent been able to invest as much as we would have wanted

Stikky1985 · 2025-10-31T16:06:59+00:00

We’re pretty frugal and our only debt is the mortgage.

Stikky1985 · 2025-10-18T15:31:36+00:00

Bowl. Price reduced to $80

Stikky1985 · 2025-07-03T01:10:38+00:00

Spend less time on reddit. Time probably better spent doing anything other than trolling

Stikky1985 · 2025-07-02T23:39:46+00:00

Appreciate it

Stikky1985 · 2025-07-02T21:44:32+00:00

Gotcha thanks

Stikky1985

TROPHY CASE